407 Judy Ln, Gratis, OH 45330 Property Records

Preble County property record for 407 Judy Ln, Gratis, OH 45330

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1973
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on File
Tax Bill	$1,531 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Oct 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C06-0010-010-00-031-000`

Property Details

APN / Parcel Number

Primary APN	`C06-0010-010-00-031-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	18,295 sqft (0.42 acres)
Lot Dimensions	140 ft deep x 103 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	200 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	407 JUDY LN
City	GRATIS
State	OH
Zip	45330-4543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 236 JOHNSONS SUBD
Legal Subdivision	JOHNSONS SUBD
Legal Lot Number	236
Jurisdiction	PREBLE OH
Township / Civil Division	GRATIS
Census Block Group	3
Census Block	3006
Census Tract	480100

Owner

407 Judy Ln is owned and occupied by an individual who acquired it in May 2023.

Source: Preble County records, as of March 17, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 96, GRATIS, OH 45330-0096
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Oct 20, 2022	Warranty Deed, Transfer FREEDOM TITLE COMPANY INC
Jun 19, 2015	Intrafamily Transfer, Transfer
Oct 1, 2013	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
Jul 29, 2011	Limited Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 2, 2011	Foreclosure ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2023
Deed Sale	May 1, 2023
Prior Sale	Oct 1, 2013 · Amount on File
Deed Document Number	20231631
Deed Book / Page	445 / 20
Prior Transfer Date	Apr 27, 2023
Prior Transfer Doc	0000445/20
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	May 1, 2023
Property Address	407 JUDY LN, GRATIS, OH 45330-4543
Document Number	0000445/20
Book / Page	445 / 20
Instrument Date	Apr 27, 2023
Instrument	202300001631
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	FREEDOM TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$378.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 JUDY LN, GRATIS, OH 45330-4543
Investor	Possibly a Property Investor

Mortgage

Document Number	202300001632
Date	May 1, 2023
Instrument	202300001632

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Oct 20, 2022
Property Address	407 JUDY LN, GRATIS, OH 45330-4543
Document Number	0000440/83
Book / Page	440 / 83
Instrument Date	Oct 19, 2022
Instrument	202200005388
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	FREEDOM TITLE COMPANY INC

Transaction

Amount	Amount on Record
Tax	$375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 153, WEST ELKTON, OH 45070-0153

June 2015: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PREBLE OH
Recording Date	Jun 19, 2015
Property Address	407 JUDY LN, GRATIS, OH 45330-4543
Document Number	00351/0613
Book / Page	351 / 0613
Instrument Date	Jun 19, 2015
Instrument	201500002620
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 JUDY LN, GRATIS, OH 45330-4543

October 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Oct 1, 2013
Property Address	407 JUDY LN, GRATIS, OH 45330-4543
Document Number	00334/2445
Book / Page	334 / 2445
Instrument Date	Sep 13, 2013
Instrument	201300005805
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	SPRINGDALE TITLE LLC, SPRINGDALE TILE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$238.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	407 JUDY LN, GRATIS, OH 45330-4543

Mortgage

Document Number	201300005806
Date	Oct 1, 2013
Instrument	201300005806

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2043

July 2011: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Jul 29, 2011
Property Address	407 JUDY LN, GRATIS, OH 45330-4543
Document Number	00307/1685
Book / Page	307 / 1685
Instrument Date	Jul 25, 2011
Instrument	201100003450
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	931 CORPORATE CENTER DR, POMONA, CA 91768-2642

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	407 JUDY LN, GRATIS, OH 45330-4543

May 2011: Foreclosure

Document Type	Foreclosure
Jurisdiction	PREBLE OH
Recording Date	May 2, 2011
Property Address	407 JUDY LN, GRATIS, OH 45330-4543
Document Number	00305/0970
Book / Page	305 / 0970
Instrument Date	Apr 25, 2011
Instrument	201100002021
Transaction Type	Foreclosure
Record Updated	Mar 17, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	931 CORPOATE CENTER DR, POMONA, CA 91768-2642

Tax Assessment & Valuation

The 2025 property tax bill for 407 Judy Ln was $1,531 with a homeowner's exemption, down 1.2% from the year before.

Source: Preble County assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Preble County
County Subdivision	Gratis Township
Municipality	Gratis Village
Unified School District	Preble Shawnee Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,531.00 (-1.23%) Homeowner's exemption	$40,220 (-) Land $6,690 Building $33,530
2024	$1,550.00 (+9%) Homeowner's exemption	$40,220 (-) Land $6,690 Building $33,530
2023	$1,422.00 (+2%) Homeowner's exemption	$40,220 (+29.83%) Land $6,690 Building $33,530	$114,900 Land $19,100 Building $95,800
2022	$1,185.00	$30,980 Land $4,620 Building $26,360
2020			$114,900 Land $19,100 Building $95,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 407 Judy Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 7, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 407 Judy Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GRATIS VILLAGE PWS serves 990 people · EPA ID OH6800612
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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